Cheap Full Coverage Car Insurance for 2025

Full coverage car insurance isn’t a specific type of policy, but a combination of coverage types that typically includes liability, comprehensive and collision insurance. If you have a loan or lease, your lender likely requires you to have it.

Because it combines several types of coverage, finding cheap full coverage insurance can be tough. For example, full coverage car insurance can cost more than triple the price of minimum required coverage. That’s why it pays to shop around.

Here are average prices for full coverage insurance from nine of the largest car insurance companies, nationwide, according to NerdWallet’s January 2025 analysis:

At a median annual rate of $1,722, or $144 a month, Travelers offers the cheapest full coverage car insurance.

You can save a significant amount of money by picking the cheapest company available out of the nine listed above, which are among the biggest auto insurers in the nation.

Going with a smaller, regional insurer can often save you even more. While state availability can be limited, smaller companies can often be cheaper than a large insurer. For example, NJM is only available in five states but has an average rate of $1,909 a year for full coverage.

Continue reading to see more full coverage car insurance rates for:

Price is likely a major factor when deciding which insurance company to choose, but it shouldn’t be the only one. In fact, the best full coverage insurance providers may not be the cheapest. If you want cheap full coverage insurance without sacrificing customer service, compare the average rates for full coverage car insurance from NerdWallet’s best car insurance companies.

All of these companies earned a NerdWallet 5-star rating. Keep in mind that not all companies offer policies in every state.

• USAA: $1,452 per year. (USAA is available only to military, veterans and their families.)

A lot of factors go into determining each person’s car insurance rates, including their state, driving history and credit history. NerdWallet put together the companies with the cheapest average full coverage rates for different driver profiles to give you a better picture of what you might expect to pay for full coverage car insurance.

Your location can have a big effect on how much you pay for full coverage auto insurance. For example, our average car insurance cost analysis showed that drivers in Florida pay over three times as much for full coverage insurance as those in Wyoming.

Looking for the most affordable full coverage insurance in your state? Here are the cheapest insurers, on average, in all 50 states and Washington, D.C.

Among large insurers, Travelers has the cheapest full coverage insurance rates, on average, for non-military drivers who caused an accident. American Family has the cheapest rates for drivers with a DUI.

Here are average full coverage rates from the largest insurers in the nation for drivers with one at-fault accident or a DUI.

It pays to shop around and compare full coverage auto insurance quotes from multiple companies, including smaller insurers. Sometimes a lesser-known company may be able to save you even more. As an example, Central Insurance’s average full coverage rate for drivers with one at-fault accident is $2,307, while Root’s average rate for drivers with a DUI is $2,197.

You may not realize that your credit history can affect car insurance costs, sometimes drastically. Insurers use credit-based insurance scores to determine how likely you are to file a claim. A credit-based insurance score takes into account a driver’s credit history when pricing rates.

California, Hawaii and Massachusetts don’t allow insurers to use credit when determining car insurance rates.

Finding cheap full coverage car insurance is still possible even with less-than-stellar credit. You’ll just want to compare car insurance rates to find the most affordable policy.

Here are average full coverage rates from the largest auto insurance companies for drivers with poor credit.

If you have poor credit, be sure to shop around and compare quotes from multiple insurers, including lesser-known companies. Sometimes a smaller company will offer a cheaper rate than a larger insurer. For example, drivers with poor credit may be able to get full coverage from The Hartford for as low as $2,242 per year, on average.

“Full coverage” is a term used to describe an auto insurance policy that covers damage from a variety of situations. It’s typically a combination of three different coverage types: liability, comprehensive and collision insurance.

While most states require a minimum amount of car insurance to drive legally, those minimums probably won’t cover any damage to your car. If someone else hits your car, the other driver’s insurance will likely pay for the damage. But in any other situation — including if you cause an accident — you’ll probably need full coverage insurance to pay for damage to your vehicle.

For example, let’s say a tree falls on your car during a storm. You would need an auto policy with comprehensive insurance to cover the repair costs. If your deductible is $1,000 but the fallen tree caused $5,000 worth of damage to your car, you’ll pay the $1,000 deductible and your insurance will cover the rest.

Without full coverage car insurance, you’d be responsible for the full $5,000.

To learn more about the different types of auto insurance and what they cover, use our tool below.

If you’re looking to save money by getting the cheapest possible car insurance, here are six things you can try:

• Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the most affordable insurance, but prices can change, so check roughly once a year.

• Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with another insurance policy, insuring multiple cars or being a student.

• Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved from the city to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.

• Raise your deductible. The higher your deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that, by raising your deductible, you’ll  lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever file a claim.

• Shop for quotes after your driving record improves. Shop for cheap car insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.

• Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.

When you shop for car insurance from different companies, it’s important to compare car insurance quotes for the same coverage. Otherwise, you might think you got a good price from one insurer, only to discover that you don’t have enough coverage when you need to actually file a claim.

When comparing full coverage auto insurance quotes, be sure to:

• Use the same deductibles and liability limits across quotes for an apples-to-apples comparison.

• Choose a deductible amount you could afford when selecting collision and comprehensive coverage. That way, you won’t be scrambling for cash to cover your deductible if you need to file a claim.

• Compare add-on coverage details. Options like gap insurance, accident forgiveness and pet injury coverage vary from one insurer to the next. Be sure to check each company’s website for details and restrictions about add-ons that matter to you.

• Provide the same information every time. If you’re using multiple tools to get full coverage insurance quotes, make sure the drivers, cars, address and driving history all match.

• Get quotes from three or more insurers. The more insurers you gather quotes from, the greater your odds of finding the cheapest full coverage car insurance for you.